SR Bancorp, Inc. (SRBK)

NCM – Real Time Price. Currency in USD

18.25

+0.02 (0.11%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 18.39$
Day's range: 18.34 - 18.6$
52-week range: 12.3 - 19.61$
Volume: 46 892
Average volume: 51 527
Beta: 0.27
EPS (TTM): 0.42
PE ratio (TTM): 44.29
Forward P/E: N/A
Market cap: 139 301 190
Shares outstanding: 7 574 834
Dividend yield: $1.09 (1.09%)
Next earnings date: 2026-08-05
Sector: Financials
Industry: Banks - Regional

About the company

SR Bancorp, Inc. operates as the holding company for Somerset Regal Bank that provides retail and commercial banking services to individuals, businesses, and local municipalities in the communities of Essex, Hunterdon, Middlesex, Morris, Somerset, and Union counties in New Jersey. The company provides deposit instruments, including noninterest-bearing demand deposits, interest-bearing demand accounts, savings accounts, money ... read more

CEO: Christopher Pribula
Country: United States
IPO Date
Employees: 121
Fiscal Year End: July - June
Website: https://www.somersetregalba...

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: SRBK

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Overall Score

3.7 / 1037%

Financial Strength

6.4

Profitability

3.8

Effectiveness

2.3

Growth

Forecast

4.3

Valuation

4.3

Dividend

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $53.0M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.3) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.60	2.82	4.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.29	0.05	8.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	15M	17M	38M	50M	51M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	2M	2M	-14M	6M	4M
Net Income	2M	2M	-11M	5M	3M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	13.96	0.44	7.0
Net margin %	10.59	32.70	9.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			3.8

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.30	1.46	2.0
ROE	1.67	14.94	2.0
ROIC	1.52	0.00	4.0
ROCE	N/A	0.00	1.0
Weighted average score			2.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	7.5	18.18	7.0
Next quarter	9.76	88.89	8.0
Current year	N/A	N/A	1.0
Next year	N/A	N/A	1.0
Weighted average score			4.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	1.06	6.24	13.81	187.23	6.5
Y/Y	8.39	64.99	N/A	292.66	6.8
3y average	56.23	-222.98	N/A	71.63	5.5
5y average	N/A	N/A	N/A	N/A	1.0
Weighted average score					5.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	31.68	11.16	2.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.19	3.37	4.0
P/B	0.75	1.53	9.4
Weighted average score			4.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR56.23%

FCF 5 year CAGR3

Fair value17.01$

Stock price18.39$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	1.33	1.33	5.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			3.0

Fair Value

$17.01

UndervaluedStock priceOvervalued

$18.39

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Christopher Pribula

Country

United States

IPO Date

Employees

121

Fiscal Year End

July - June

Website

https://www.somersetregalba...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.60

2.82

4.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.29

0.05

8.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

15M

17M

38M

50M

51M

Gross Profit

N/A

Operating Income

-14M

Net Income

-11M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

13.96

0.44

7.0

Net margin %

10.59

32.70

9.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

3.8

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.30

1.46

2.0

ROE

1.67

14.94

2.0

ROIC

1.52

0.00

4.0

ROCE

N/A

0.00

1.0

Weighted average score

2.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

7.5

18.18

7.0

Next quarter

9.76

88.89

8.0

Current year

N/A

1.0

Next year

N/A

1.0

Weighted average score

4.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

1.06

6.24

13.81

187.23

6.5

Y/Y

8.39

64.99

N/A

292.66

6.8

3y average

56.23

-222.98

N/A

71.63

5.5

5y average

N/A

1.0

Weighted average score

5.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

31.68

11.16

2.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.19

3.37

4.0

P/B

0.75

1.53

9.4

Weighted average score

4.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

1.33

5.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

0.00

1.0

Weighted average score

3.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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SR Bancorp, Inc. (SRBK)

Stock details

About the company

Revenue Breakdown

News

Chart: SRBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$17.01

$18.39

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: SRBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$17.01

$18.39

Economic Moat